Fraud Charges on my credit card.

I see reserved purchases on my bank account with the reference, Dlocal *microsoft Mi. What’s going on?

Hello, first it's a pleasure to be able to help you today.

My name is welcome to the community.

Hello Jill, As this forum is for public viewing and unfortunately, as independent consultants, we do not have access to some data or your account, we cannot specify the real reason or accurately verify this issue of the amount charged.

To effectively clarify this issue, it is necessary to contact Microsoft support directly via chat so that they can help you.

Go to: https://support.xbox.com/en-US/contact-us/

See the bottom left part of the page and make sure that the page has the correct region that you are in (ex: United States - English for USA)

If not, click on it then select the correct region that you are in.

Check and confirm that you are within the available time of support under Contact times.

Click Contact us

Select the drop-down menu options that will match your concern.

On the page, see the provided support articles that may help you with your concern. Click See contact options if further assistance is needed.

On the next page, select either Chat online or Request a call option then follow or enter the needed details.

My recommendation would be to speak to your credit card company and report the fraud to them. They can prevent further purchases from going through as well as have the charges credited back to you. They have procedures in place for this happening. They
will probably have new cards issued to you to prevent further charges.

I faced the same problem when buying MS Points with credit cards.

Worst still, I was notified by my credit card issuing bank that multiple $2 charges are made to my credit card, for each failed attempt I suppose, and they suspected fraud. Now I've to temporarily suspend the card awaiting Microsoft's confirmation regarding
the multiple $2 charges.

In the end I use Paypal and bought the points sucessfully.

You're making my point for me.

An unauthorized purchase does not qualify for a refund.

Just because the option is there doesn't change the issue. An UA purchase is fraud and no one refunds for fraud. That's why you contact your credit card company and have them dispute the charge.